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Unjust Refunds by Stripe Despite Security Measures

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Unjust Refunds by Stripe Despite Security Measures

#1
We received a notice from Stripe citing unauthorized payments, and they decided to refund all the money in our account to our customers. But here's the catch - we had implemented 3D Secure 2.0 and Stripe Radar for all transactions, virtually eliminating the possibility of unauthorized payments.

With each sale we made, we dispatched the purchased goods promptly. By the time Stripe initiated their verification process, some of our customers had already received their products. Yet, Stripe decided to refund the entire balance in our account back to our customers.

It's important to highlight the significant loss that this has caused for us, as a business selling physical goods. We've effectively been forced to bear the cost of the products that we've already shipped. The worst part? This issue seemed virtually unavoidable given the circumstances.

In response to this situation, we've made attempts to appeal and have our case heard by Stripe. However, these efforts have so far been fruitless.

I'm sharing this experience here to spread awareness amongst us, the community of entrepreneurs, developers, and business owners. While Stripe's services are broadly commendable, incidents like these can be damaging for businesses, especially for those dealing with physical goods.

Has anyone else had similar experiences with Stripe or any other payment processors? How do you handle such situations? Any insights, suggestions, or even shared experiences are much appreciated.

Re: Unjust Refunds by Stripe Despite Security Measures

#3
I am writing this post to address a concerning situation. We've recently noticed some comments on HN from purported Stripe employees labeling us as a fraudulent business and accusing us of exaggerating our situation on social media. I want to set the record straight: we are not fraudsters, we are entrepreneurs.

We're not here to stir up drama or spread misinformation, but to seek help. Unfortunately, most of our interactions with Stripe's customer support have been met with automated responses, which haven't addressed our specific concerns.

We're hoping to connect with someone within Stripe who can provide more personalized attention to our situation or others who have encountered similar difficulties and found solutions.

Re: Unjust Refunds by Stripe Despite Security Measures

#4
Stripe = Scammers. They're keeping over 150k EUR (yes, the number is correct) from my vpn business for over 1 year. They stopped replying to emails, and the last time they did, they said they were "investigating the case". I'm considering suing them, but I'm on a different country/jurisdiction and it's complicated to do so, not to mention the costs involved. In my case, they never refunded the charges, they simply kept them under the guise of "unauthorized payments", something they should prevent. Merchants have no way to prevent a crook from using someone else's card. They should have refunded/kept "unauthorized payments" individualy, not everything, this is called theft. In my case, the services were digital and most already rendered.